ACT stamp duty calculator

A buyer who will live in the property as their principal place of residence for at least a year pays the lower "eligible owner occupier" rate -- not limited to first home buyers. Above $1,455,000 this converges with the investor rate at a flat 4.54% of the whole dutiable amount.

An investor (or any purchase that is not an eligible owner occupier transaction) pays the higher general rate. Above $1,455,000 this converges with the owner-occupier rate at a flat 4.54% of the whole dutiable amount.

The excess over each band threshold rounds up to the next $100 before the rate is applied ("for every $100, or part of $100"), the same convention as Western Australia; above $1,455,000 the flat 4.54% rate applies to the whole dutiable amount, not just the excess. (ACT Parliamentary Counsel's Office, verified 27 Sep 2026)

Home Buyer Concession Scheme

A buyer who qualifies for the Home Buyer Concession Scheme (any individual who has not held an interest in land in the previous 5 years, moving in within a year) -- or for the Newly Unit Titled or Off the Plan Unit duty exemptions -- pays no duty at all, whatever the price. Unlike every other state and territory researched, there is no property-value cap and no income test. (ACT Parliamentary Counsel's Office, verified 27 Sep 2026)

Pensioner Duty Concession Scheme

A pensioner downsizing who sells their home within a year of the purchase and moves into the new property pays no duty at all, whatever the price. (ACT Parliamentary Counsel's Office, verified 27 Sep 2026)

No. The ACT and the Northern Territory are the only two Australian jurisdictions researched with no foreign-purchaser or surcharge-purchaser additional duty on residential conveyances. (ACT Parliamentary Counsel's Office, verified 27 Sep 2026)

The Land Titles Office charges a flat $496.00 to register a memorandum of transfer, whatever the price. (ACT Parliamentary Counsel's Office, verified 27 Sep 2026)

Registering a mortgage costs a flat $184.00. (ACT Parliamentary Counsel's Office, verified 27 Sep 2026)

Lenders mortgage insurance (LMI) usually applies when you borrow more than 80% of the property’s value. It is not a government charge: premiums vary by lender and insurer, and there is no public schedule of them, so this page gives no figure. See deposit, LVR and LMI. Conveyancing, inspections and loan fees are quote-based: see complete buying costs. To add your deposit, loan repayments and the yearly cost of owning, use the true cost to buy and own calculator.

Duty is payable within 14 days of the transfer being registered with the registrar-general; interest and penalty tax can apply if it is not paid by then. (ACT Parliamentary Counsel's Office, verified 27 Sep 2026)

The calculator and every figure on this page come from the same encoded rules, each transcribed from the ACT Revenue Office’s published rates or the legislation and linked to it. They apply by contract date: for a contract outside 1 July 2026 to 30 June 2027 the calculator says the date is not encoded rather than guess. It does not cover companies or trusts, transfers between relatives or spouses, deceased estates, other exemptions and concessions not listed here, or the eligibility conditions each concession carries (residence, prior ownership, income). Confirm your own position with the ACT Revenue Office calculator or a conveyancer before you rely on it.